What would happen if you become disabled or ill and could not work? When you can't work, disability insurance goes to work for you. How would you...

Pay your bills?

Make your monthly mortgage loan payments or rent?

Buy food and groceries?

Make your car payments?

Provide for your children's education?

Save for retirement?

Disability Insurance is important to help replace your income in case anything happens such as a disability. It helps you protect one of your most valuable assets, your income, and maintain your pre-disability lifestyle. Most people don't realize the risk of becoming disabled, permanently or temporarily, at some point in their lives. But the reality is that at age 40, your chances of becoming disabled for 90 days or more prior to age 65 is 43%.

The cost of long-term disability depends on your occupation, salary, age, gender, and the amount of income you want to replace. White-collar employees such as office workers carry less risk than blue-collar employees such as construction workers, and therefore are less expensive to insure.